{"id":28334,"date":"2019-05-08T13:48:29","date_gmt":"2019-05-08T10:48:29","guid":{"rendered":"https:\/\/emlaktuel.com\/?p=28334"},"modified":"2019-05-08T13:48:29","modified_gmt":"2019-05-08T10:48:29","slug":"dovizdeki-yukselis-konut-kredisi-faiz-oranlarini-nasil-etkiledi","status":"publish","type":"post","link":"https:\/\/emlaktuel.com\/?p=28334","title":{"rendered":"D\u00f6vizdeki Y\u00fckseli\u015f Konut Kredisi Faiz Oranlar\u0131n\u0131 Nas\u0131l Etkiledi?"},"content":{"rendered":"

D\u00f6viz kurunda son g\u00fcnlerde ya\u015fanan y\u00fckseli\u015ften konut kredisi faiz oranlar\u0131 nas\u0131l etkilendi? \u0130stanbul se\u00e7imleri konut kredisi faiz oranlar\u0131n\u0131 etkiler mi?<\/p>\n

YSK’n\u0131n 6 May\u0131s\u2019ta a\u00e7\u0131klad\u0131\u011f\u0131 yaz\u0131l\u0131 kararda, \u0130stanbul B\u00fcy\u00fck\u015fehir Belediye Ba\u015fkanl\u0131\u011f\u0131 mazbatas\u0131n\u0131n iptaline ve yenileme se\u00e7iminin 23 Haziran’da yap\u0131lmas\u0131na oy \u00e7oklu\u011fu ile karar verildi\u011fi bildirdi. D\u00fcn ise \u0130stanbul B\u00fcy\u00fck\u015fehir Belediye Ba\u015fkan\u0131 g\u00f6revine vekaleten \u0130stanbul Valisi Ali Yerlikaya atand\u0131.<\/p>\n

Piyasalarda aylard\u0131r s\u00fcrmekte olan belirsizli\u011fe ba\u011fl\u0131 \u00a0durgunluk \u0130stanbul se\u00e7imlerinin ertelenmesi ile tekrar uzad\u0131. Konuya ili\u015fkin T\u00dcS\u0130AD d\u00fcn resmi Twitter hesab\u0131ndan \u2018\u201831 Mart yerel se\u00e7im sonu\u00e7lar\u0131 a\u00e7\u0131klanmadan evvel vurgulam\u0131\u015f oldu\u011fumuz gibi, kapsaml\u0131 bir ekonomik ve demokratik reform g\u00fcndemine odaklanmam\u0131z gereken bu d\u00f6nemde, se\u00e7im ortam\u0131na geri d\u00f6nmek kayg\u0131 vericidir.\u2019\u2019 a\u00e7\u0131klamas\u0131nda bulundu.<\/p>\n

Kredi derecelendirme kurulu\u015fu Fitch T\u00fcrkiye analisti Edward Parker, \u0130stanbul b\u00fcy\u00fck\u015fehir belediye ba\u015fkanl\u0131\u011f\u0131 se\u00e7iminin yenilenmesi karar\u0131n\u0131n ekonomiyi yeniden dengeleme ve istikrara kavu\u015fturma plan\u0131nda yakla\u015f\u0131k iki ay daha belirsizlik anlam\u0131na geldi\u011fini belirtti.<\/p>\n

\u0130stanbul se\u00e7imlerinin tekrar edilmesi karar\u0131n\u0131n ard\u0131ndan pazartesi gecesi \u00a06.1985 seviyesine kadar \u00e7\u0131kan dolar kuru sal\u0131 sabah saat 10:35’de %1,40 primle 6.1665 seviyesinde ula\u015ft\u0131. 6.9530’u g\u00f6ren euro\/TL ayn\u0131 saatte %1,50 art\u0131\u015fla 6.9190’dan i\u015flem g\u00f6rd\u00fc. Sterlin\/TL de 8.1420’yi test ettikten sonra %1,60 art\u0131\u015fla ve 8.0940’\u0131 g\u00f6rd\u00fc.<\/p>\n

\u0130\u00e7 piyasadaki geli\u015fmelerin haricinde hafta ABD-\u00c7in geli\u015fmeleri ile ba\u015flad\u0131. Trump\u2019\u0131n \u00c7in\u2019e uygulanan vergileri %10\u2019dan %25\u2019e \u00e7\u0131kar\u0131labilece\u011fini a\u00e7\u0131klamas\u0131 uluslararas\u0131 risk endi\u015feleri yaratarak dolar\u0131n y\u00fckselmesine neden olan bir di\u011fer etken oldu.<\/p>\n

Konut Kredisi Faizlerinde Son Durum<\/h2>\n

KrediPazari.com’un ara\u015ft\u0131rmalar\u0131na g\u00f6re bankalar\u0131n konut kredisi faiz oranlar\u0131 geli\u015fmelere ra\u011fmen haftaya sakin ba\u015flad\u0131. Haftan\u0131n ilk iki i\u015flem g\u00fcn\u00fcnde \u0130NG Bank ve HalkBank konut kredisi faiz oranlar\u0131nda art\u0131\u015fa gitti. Bankalar\u0131n konut kredisi faiz oranlar\u0131 ortalamas\u0131 %2.4\u2019e ula\u015ft\u0131. En uygun tabela konut kredisi faiz oran\u0131 ise de\u011fi\u015fmeyerek %1.45 seviyesinde kad\u0131.<\/p>\n

Konut Kredisi Hesaplama<\/h2>\n

Bankalardan en uygun konut kredisi faiz oran\u0131 \u00fczerinden ile 200.000 TL tutarda 10 y\u0131l vadeli konut kredisi hesaplama yap\u0131ld\u0131\u011f\u0131nda kredinin ayl\u0131k taksit tutarlar\u0131 yakla\u015f\u0131k 3500 TL oluyor. Kredinin toplam geri \u00f6deme miktar\u0131 ise 423.200 TL\u2019 ye kar\u015f\u0131l\u0131k geliyor.<\/p>\n

Konut Kredileri Nas\u0131l Etkilendi?<\/h2>\n

Bankalar\u0131n konut kredisi faiz oranlar\u0131n\u0131 yorumlayan ekonomistler kurdaki y\u00fckseli\u015fin devam etmesi halinde konut kredisi faiz oranlar\u0131ndaki art\u0131\u015f\u0131n daha da h\u0131zl\u0131 olabilece\u011fini aktar\u0131yor. Konut kredisi faiz oranlar\u0131nda yak\u0131n zamanda d\u00fc\u015f\u00fc\u015f ihtimalinin m\u00fcmk\u00fcn g\u00f6r\u00fcnmedi\u011fi belirterek y\u00fckseli\u015f ivmesinde seyretmesinin olas\u0131 g\u00f6r\u00fcnd\u00fc\u011f\u00fc belirtiyor.<\/p>\n

 <\/p>\n

Nisan ay\u0131 enflasyon oranlar\u0131n\u0131n d\u00fc\u015fmesi d\u00f6viz kurunun bir s\u00fcredir sabit seyretmesi ve denge sinyalleri ile TCMB\u2019nin politika faizlerinin Haziran toplant\u0131s\u0131nda d\u00fc\u015fme ihtimali d\u00fc\u015f\u00fcn\u00fcl\u00fcrken, dur dalgalanmalar\u0131 ve se\u00e7im belirsizli\u011fi ile ekonomik \u00e7evrelerde en yak\u0131n indirim tahmini 2019 son \u00e7eyre\u011fine sarkt\u0131.<\/p>\n","protected":false},"excerpt":{"rendered":"

D\u00f6viz kurunda son g\u00fcnlerde ya\u015fanan y\u00fckseli\u015ften konut kredisi faiz oranlar\u0131 nas\u0131l etkilendi? \u0130stanbul se\u00e7imleri konut kredisi faiz oranlar\u0131n\u0131 etkiler mi? YSK’n\u0131n 6 May\u0131s\u2019ta a\u00e7\u0131klad\u0131\u011f\u0131 yaz\u0131l\u0131 kararda, \u0130stanbul B\u00fcy\u00fck\u015fehir Belediye Ba\u015fkanl\u0131\u011f\u0131 mazbatas\u0131n\u0131n iptaline ve yenileme se\u00e7iminin 23 Haziran’da yap\u0131lmas\u0131na oy \u00e7oklu\u011fu ile karar verildi\u011fi bildirdi. D\u00fcn ise \u0130stanbul B\u00fcy\u00fck\u015fehir Belediye Ba\u015fkan\u0131 g\u00f6revine vekaleten \u0130stanbul Valisi Ali […]<\/p>\n","protected":false},"author":1,"featured_media":23935,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[5388],"tags":[],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/28334"}],"collection":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=28334"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/28334\/revisions"}],"predecessor-version":[{"id":28335,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/28334\/revisions\/28335"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/media\/23935"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=28334"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=28334"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=28334"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}